LEHIGH VALLEY EDUCATORS CREDIT UNION

EIN: 230338105

ALLENTOWN, PA

Total Revenue
$12,311,883
Total Expenses
$11,587,552
Total Assets
$412,042,275
Net Assets
$47,144,707
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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year
1934
Legal Domicile
PA
Principal Officer
ROSEMARIE KRANTZ
Phone
6108200145
Tax Period
2023-01-01 to 2023-12-31

LEHIGH VALLEY EDUCATORS CREDIT UNION, founded in 1934, is a mid-sized nonprofit that reported $12.3M in total revenue in fiscal year 2023. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $11.6M left a modest 6% surplus.

Mission

MAINTAIN FINANCIAL SOUNDNESS WHILE EMPOWERING MEMBERS TO WORK TOWARD FINANCIAL SUCCESS.

Program Service Accomplishments

Program 1

PROVIDE MORE THAN 8,300 LOANS TO OVER 15,000 MEMBERS.

Program 2

PROVIDE FINANCIAL SERVICES TO OVER 15,000 MEMBERS

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

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Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $8,106,213
Investment Income $4,194,253
Other Revenue $11,417
TOTAL REVENUE $12,311,883

Expense Breakdown

Grants Paid $90,000
Salaries & Benefits $2,731,526
Fundraising Expenses $0
Other Expenses $8,766,026
TOTAL EXPENSES $11,587,552

Year-over-Year Comparison

2023 2022 Change
Revenue $12,311,883 $11,017,714 +0.1%
Expenses $11,587,552 $7,914,560 +0.5%
Net Income $724,331 $3,103,154 -0.8%
Key Indicators
✓ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required
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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Governance

Voting Members
10
Independent Members
10
Employees
29
Volunteers
10

Governance Policies

✓ Conflict of Interest Policy
✗ Whistleblower Policy
✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School
✗ Operated a Hospital
✗ Provided First Class Travel
⚠ Reported Conflict of Interest
✗ Reported Asset Diversion
✗ Excess Benefit Transaction
✗ Made Political Expenditures
✗ Engaged in Lobbying
✗ Operated Donor Advised Fund
✗ Maintained Art Collections
✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers
3
$699,670
Total Directors
10
$7,200
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
WILLIAM AYERS BOARD CHAIRPERSON 1.00
Director
$1,500 $0 $1,500
GARY FEDORCHA BOARD VICE CHAIR 1.00
Director
$1,000 $0 $1,000
EUGENIA EMERT SECRETARY/TREASURER 1.00
Director
$750 $0 $750
JILLIAN EMERT MEMBERSHIP OFFICER 1.00
Director
$350 $0 $350
DANIEL JOSEPH DIRECTOR 1.00
Director
$600 $0 $600
SHERRI MOLITORIS DIRECTOR 1.00
Director
$600 $0 $600
DENNIS NEMES DIRECTOR 1.00
Director
$600 $0 $600
RYAN VAN NORMAN DIRECTOR 1.00
Director
$600 $0 $600
GARY PHILLIPS DIRECTOR 1.00
Director
$600 $0 $600
DANIEL WEAVER DIRECTOR 1.00
Director
$600 $0 $600
ROSEMARIE E KRANTZ CEO 40.00
Officer
$242,598 $122,360 $364,958
ANN HOFF CFO 40.00
Officer
$103,879 $57,856 $161,735
MARIE A RHODA CLO 40.00
Officer
$124,075 $48,902 $172,977
Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year Revenue Expenses Assets Net Income
2024 No data No data No data No data
2023 $12,311,883 $11,587,552 $412,042,275 $724,331
2022 $11,017,714 $7,914,560 $400,823,762 $3,103,154
2021 $9,686,113 $7,367,598 $408,699,262 $2,318,515
2020 $10,263,879 $8,084,715 $377,145,467 $2,179,164
2019 $11,097,482 $8,617,059 $324,277,675 $2,480,423
2018 $10,272,832 $7,723,048 $311,640,748 $2,549,784
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